Individual voluntary arrangement - a legally binding arrangement where you make reduced payments over 5 or 6 years. At the end of this time your debts are written off.

Debt relief order - can help you to write off debt that you’re unable to repay in a reasonable amount of time.

Bankruptcy - can help you to write off debt that would otherwise take many years to clear.

Equity release - accessing some of the money tied up in the home, without the need to move. You can release a tax free cash lump sum or setup access to a flexible borrowing facility.

Debt consolidation - usually involves taking out new credit to pay off existing credit. Most people do this to reduce the interest rate on their debt, to bring down their monthly payment amount or to reduce the number of companies they owe money to.

A woman whose father took his own life when he got into thousands of pounds worth of debt is calling for more to be done to help stop families falling into money troubles.

Ian Jordan from Botley owed around £20,000 to more than a dozen loan companies over the course of a year. His daughter Samantha says authorities need to do more to stop situations like that from happening:

This video shows what a planned one hunded million pound shopping development near Oxford would look like if plans get the go ahead. Developers say the West Way shopping area in Botley would create hundreds of jobs.

A scene from the video of the West Way shopping area development Credit: Doric Properties

Plans for a £100m shopping development near Oxford have been revealed. A video of how the West Way shopping area in Botley could look like has been released, including restaurants, a hotel and student accommodation.

The video was produced by developer Doric Properties following a request from North Hinksey Parish Council. It is based on plans submitted to the Vale of White Horse District Council in December 2013. The development will create 600 jobs in construction and 480 jobs when it is operating.

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Police are appealing witnesses after a 70-year-old cyclist was left in a serious condition after a crash with a car in Curdridge. The man was cycling along the A334 between Wickham and Botley near Reading Room Lane at Curdridge when he was involved in a collision with a car.

He was taken to Southampton General Hospital where he is currently being treated. His condition is described as serious.

Officers would like to hear from anyone who saw him prior to the accident or witnessed the collision itself.

They are asked to call Sergeant Darren Ord at the Operation Aldoth team on 101.

A vital train line in Hampshire reopened this morning after it collapsed during the biggest landslip in Britain in the floods. 80 metres of embankment fell away at Botley in torrential rain at the start of last month.

Video. It was the biggest landslip in Britain during the floods, closing a rail line and causing chaos for commuters. But it is hoped a vital train line will re-open tomorrow, bringing some relief to passengers next week.

Around 80 metres of the embankment collapsed in torrential rain in Hampshire at the start of last month. It has meant a main line between London and Portsmouth has been closed.

Trains were diverted, and replacement buses brought in, with effects on key commuting towns like Basingstoke and Farnborough. It could be three months before everything is back to normal for fear of more landslips. But for now, at least, trains may start running again.